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Disclosures

Respect of Right to Privacy

Brunswick Bank and Trust recognizes and respects your concerns about privacy and security while using our Web Site and Internet Banking Services. We are committed to taking every precaution to protect and safeguard your privacy in the same manner as in our more traditional banking offices. All Internet transactions, such as transfers of funds between your accounts, and third party bill payment, are conducted in a secure (encrypted) environment to protect privacy. If you have any question about your privacy or the accuracy of your account information please contact us.

Collection and Use of Personal Information

The collection of personal information online is designed to protect the security of your accounts, to assist the bank in administering its business, and to provide our customers with the products and services they want. Such information is always collected in a "secure" (encrypted) online environment. Brunswick Bank and Trust does not use "cookies" or other undisclosed electronic information collection methods.

Maintenance of Accurate Information

Brunswick Bank and Trust has established procedures to insure that your personal information is accurate, current, and complete in accordance with reasonable commercial standards. We will respond in a timely manner to any questions from you or requests to correct inaccurate information.

Limiting Employee Access to Information

Brunswick Bank and Trust limits employee access to your personal information to those employees with a business reason for knowing such information. All employees are educated in the need for confidentiality and customer privacy. All access to personal information is controlled by employee password and other security procedures. Our personnel policy provides for disciplinary action to enforce employee privacy responsibilities.

PATRIOT ACT
IMPORTANT INFORMATION ABOUT PROCEDURES FOR NEW ACCOUNTS

The U.S. Department of the Treasury issued the attached final rule Sections 313(a) and 319(b) of the USA PATRIOT Act effective October 28, 2002. To help the government fight the funding of terrorism and money laundering activities, federal law requires ALL financial institutions to obtain, verify and record information that identifies each person who opens an account.

What that means to you:

When you open an account we will ask for your name, address, date of birth and other information that will allows us to identify you. We may also ask for your driver's license or state issued identification card and/or other forms of identifying documents.

IMPORTANT NOTICE Regarding the use of your account

This notice concerns the Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 a.k.a. Regulation GG. The UIGEA prohibits any person engaged in the business of betting or wagering (as defined in the act) from knowingly accepting payments in connection with the participation of unlawful internet gambling. BB&T is required to follow the provisions of the regulation effective June 1, 2010. As defined by Regulation GG, unlawful internet gambling mean "to place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, or at least in part, of the internet where such a bet or wager is unlawful under any Federal or State law in the State of Tribal lands in which a bet or wager is initiated, received or otherwise made."

As a customer of BB&T these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you need further information on UIGEA (Regulation GG), please contact us at 732-247-5800.

Protecting Your Children

Brunswick Bank and Trust strictly follows the federal guidelines of the Children's Online Privacy Protection Act (COPPA) which gives parents control over what type of information is collected online about their children. Visit the COPPA website for more information. We do not knowingly collect, maintain, or use personally identifiable information from children under age 13 on our websites. We are not responsible for the data collection and use practices of nonaffiliated third-parties that are linked from our websites.

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